Define consolidating credit card debt

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Now it has reached the point where you’d be a fool to sign up for any card offering less than a 0 reward for joining, and some will pay 0-0.

Today, the credit card companies still send similar checks, but they now have much sneakier conditions like “0% APR for one year! Excuse me, but that’s a 3% APR, about the same as my existing home equity line of credit.One friend of mine makes quite a game of this, keeping a boquet of 14 active cards in a special folder and cranking all sorts of “manufactured spending” through them.He also works the Swagbucks system and various other coupons and gift cards.These include: These must be done right, and cannot be rushed.To get out of debt and realize credit relief, one has to work hard to do so.

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